Date Received: 2018-09-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My credit card company is harassing me with excessive holds on my account. They lock the card before and after every purchase. I feel like they are discriminating against me for some reason because they completely ignore my requests for a credit limit increases, even though I have good credit. I recently changed my address and phone number, so they locked my account again and required me to send in proof of my ID and social, they said my account would be unlocked immediately after they received the documents They received the docs yesterday at XXXX XXXX ( Tracking Number : XXXX ) but i still have not been able to use my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with Barclay 's Card not XXXX XXXX XXXX or XXXXXXXX XXXX XXXX - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with Barclay 's Card and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought XXXXXXXX XXXX XXXXXXXX for legal debt advice to come after me for a debt i don't owe them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2018 someone tried to make an inquiry using my name and information. This was not authorized by me and was fraud. I had called the lender XXXX and the explain the situation they said there customer service team said they would kindly remove the hard inquiry since it was not authorized by me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18360
Submitted Via: Web
Date Sent: 2018-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/18 I received a notice from XXXX app that my XXXX score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my Barclay credit card account. According to the contract terms I have with Barclay service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. Barclays representative refuse to give me a copy of the requisition allegedly sent of XX/XX/XXXX nevertheless, XXXX representatives told me it was not sent untilXX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by Barclay causing an adverse affect on my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2018-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay card was charging me {$37.00} returned fees for the payments which I didn't make. I made my payments from my bank and they did go through every time. On a top of that they fraudulently were making payments from another closed account and charging me {$37.00} fee. The customer service representative XXXX with a very low voice was the worst, I never had such a bad customer service in my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2018-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX I wanted to book 2 rooms for XX/XX/XXXX at the XXXX XXXX XXXX XXXX thru XXXX XXXX website. Completed one request and when I did not receive a confirmation page showing it was booked. I did not want to go forth with the second room because I couldnt be sure if the first one went through. XX/XX/XXXX, still no confirmation, I called the hotel, they stated because I made the reservation through a third party, they would not have been the ones to send the confirmation, but they did not have a reservation for me and if there was no hold placed on my credit card, ( there was not ) the room was not booked. XX/XX/XXXX I then made 2 reservations and received two confirmations ( XXXX & XXXX ) along with two trip Numbers ( XXXX & XXXX ) With a note staying if I was calling the hotel use the confirmation number, if I was calling customer service to use the trip number. On XXXX my travel plans changes and I cancelled both trip numbers using ( XXXX & XXXX ). To cancel they asked for trip number. I received two cancellation emails. On XX/XX/XXXX since my travel plans had changed, I arrived in XXXX XXXX and woke up to several text messages from my credit card company, because XXXX XXXX XXXX XXXX had charged my account {$150.00} on the same night, I had a hotel charge in XXXX XXXX, so they are assuming Fraud. This is when I realized a few things 1. The original reservation was placed ( even though I would have no way of knowing this based on information above ) 2. When you make a reservation with XXXX XXXX XXXX, you are really booking through XXXX 3. XXXX XXXX, stated on XX/XX/XXXX, they never received the cancellation for the two ( that I did cancel ), I would have to call XXXX ( they didnt know it was XXXX either ) to have them fax the cancellations, because they have to charge for no show fee. They also proceeded to tell me, that its up to the Third Party to provide a confirmation, and they could not tell me why someone at XXXX XXXX, did not see the reservation when I called on XX/XX/XXXX. XX/XX/XXXX the women I spoke to ( XXXX ) confirmed she did in fact have two cancellations that she could fax over to the hotel, while I held on the line. Then we discussed the reservation for which I never received a confirmation. She asked me to hold and she would provide this information to a manager. She returned to the call and stated she was sorry that happened and she would provide a credit. I was then placed on hold again for about 5 minutes. When she returned she said she could not credit me, because XXXX did not actually charge me, XXXX XXXX is the merchant that charged me. I would have to dispute the charge with my credit card company. I did just that, I called to dispute the charges and provide the full story to the associate. ( I should have followed my first mind and wrote a letter, but didn't ). I advised that XXXX said they were going to send two cancellation faxes to XXXX XXXX, but I was concerned about the other charge that I had no confirmation number in order to cancel, and this was not my error. Here is what Barclays did : 1. On XX/XX/XXXX Sent 3 letters one for each claim, advising they were investigating. 2. On XX/XX/XXXX Sent 3 letters each stating XXXX XXXX issued a credit for XXXX, XXXX and XXXX. The letter also indicated we consider this dispute resolved in your favor. Move to XX/XX/XXXX. XXXX I receive a call from Barclay with the following information : 1. XXXX XXXX has provided a response that they are not responsible for sending out confirmations and since the room was never cancelled they will not take the responsibility for the no show fee. 2. Barclay has no other choice but to charge the fee back to me 3. I can dispute this charge with the Third Party ( who never actually billed me ) 4. They are unable to dispute the charge with XXXX or XXXX, because they are not the merchant 5. They will be sending me a copy of the note from XXXX XXXX to use if I want to re-dispute this claim. 6. They are sorry they sent me a letter back on XX/XX/XXXX saying it was already taken care of, but they will be billing the charge back to my account within 24 hours. At this point I am angry, because, Im driving and cant really concentrate on whats happening, I asked for the Executive Office number, because, Yes, I plan to re-dispute this claim. However, when I get home, I realize that Barclay also has some culpability in this whole mess as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2018-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I was trying to use my card while travelling and it was blocked. When asked to confirm my identity, they said my responses were incorrect. For example, my mother 's maiden name. Which hasn't changed for her entire life. The responses I gave are 100 % correct, but the data they collected from " public records '' was incorrect. I was then asked to prove my identity because they obtained incorrect data. Not only was I stranded without a travel card, but I was denied to close my account. According to their security department, their methods of collecting data was not by my own submission but from a third party. I was asked to send copies of my Driver 's license, Social Security card and bank account statements. I refused and the poor customer service ensued. I have impeccable credit ( score of XXXX ), I have never had any problems with verifying my identity when asked. My mother 's maiden name has never changed and the other answers were correct as well. Barclay 's simply refused to listen to the fact that the data they are using is incorrect and instead has blocked the account. I simply just want to pay my balance in full and close the account. The said they would not close my account. I feel it is a fraud risk to have to send copies of my identification, social and bank statements in the mail or by email. Especially with a company I do not wish to have my data anymore. And that does not have the technology to pull the correct identifying data for their clients. Instead of admitting theor own errors, they put the burden of proof on me.Submitting these documents is not common practice. I refuse to put at a higher fraud risk
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On approximately XX/XX/XXXX I attempted to perform an on-line balance transfer to XXXX XXXX Credit Card. The screen displayed the transaction was unsuccessful. I contacted XXXX XXXX and spoke to a young lady. I asked if the balance transfer was successful, and was told no. I asked if there was a 0 % balance transfer, and was told no. I told her that I did not want to transfer anything, and asked her several times to confirm there was not a balance transfer made. After time passed ( approximately 1-2 months ) I received a bill showing a {$20000.00} balance transfer. I immediately called and spoke to a Floor Supervisor named XXXX ext XXXX XXXX. XXXX confirmed the balance transfer showed it did not go through. XXXX told me she would speak to her supervisor to have this the transfer undone. XXXX and I spoke regularly about this option, but nothing was ever done. I spoke to many supervisors, who all said the same thing, the transfer should not have happened because I did not authorize it. I spoke to XXXX ext XXXX, XXXX ( pronounced XXXX ) and finally XXXX onXX/XX/XXXX who assured me the fees and interest would be reversed and they would refund the money on my credit card byXX/XX/XXXX. It did not happen, so I called again XX/XX/XXXX, and was told I would receive a call back from a supervisor, which I never received. XXXX XXXX has recorded and documented conversations that confirm the transfer was unauthorized. In addition, I believe it a Truth in Lending law that I would have been contacted to confirm I authorized this transaction, and I never received any information, until I received a bill. I would like the fees and interest returned to my credit card. They now ( after almost a year ) are {$2700.00}. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " Barclays Bank Delaware ( Closed ), '' which was opened XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Back in XX/XX/XXXX, I contact Barclays credit card bank and I was asking them to please forgive me a late payment I did back in XX/XX/XXXX, I didnt receive a reply back from them, I did finished making all my payments and I even paid off the account. the account was close during the time I was as making my payments, I did ask the bank to close the account for me and I will responsible to make payment which I did and now the account is paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A